Pre-existing Conditions on Insurance

[Guest guest]

Hi Guys;

Just wanted to correct what was said. First, when going from group to group anyone has 63 days to get the new coverage and not worry about pre-existing. Second, the Federal law is that any child under the age of 19 will get coverage and the pre existing will be covered, with an individual policy (not group) they WILL rate up and I was told by one company that for Autism it could be a 700 % rate-up. Groups can not do that. Keep in mind that some policies have limitations on things like OT, PT and speech. They are still allowed to have those limitations, the benefit person at a job should know those limitations. Third.."Obamacare has taken away the prexisting condition issue for a number of diseases and disorders and autism is ON THE LIST...it's not a problem anymore" is incorrect. A 20yr old person with Autism COULD NOT get coverage unless they were getting on a group plan without a more than 63 day lapse or

if they have not had coverage for 6 months, the Pre-Existing policy from the state that I mentioned a few weeks prior. There is no "list".

Hope this helps,

Jayne, Licensed Agent.